Family asset program sberbank reviews. Endowment life insurance programs at Sberbank. Sberbank deposit life insurance
A timely issued insurance policy allows you to avoid many problems in the future. But the question arises, in which bank can you issue a policy with more favorable conditions for yourself. The choice is obvious! Sberbank, the largest and reliable bank Russia offers many insurance programs. One of the most demanded services among the population today is Life Insurance from Sberbank.
On the new website of sberbank life insurance, several types of contracts are proposed, which will be discussed further.
Protection of loved ones
- Body bone fractures;
- with chemical and thermal burns;
- when receiving serious injuries;
- with frostbite.
Also, a life insurance contract in Sberbank implies a payment when a loved one died due to his getting into an accident or a train accident.
Each contract program for the protection of loved ones includes certain mandatory elements, such as:
- One-time payment amount;
- the amount of the insured amount;
- list of persons covered by the compensation.
Separately, there are three categories of close relatives on which you can draw up a life insurance contract:
- Children under 24;
- spouses from 18 to 65 years old;
- parents aged 35 to 75.
Standard insurance premium in the contract for this type of service is defined in three versions: 900, 1800 and 4500 rubles. In each of the cases, the client receives the amounts at the risk of "Injury" in the range of 100,000, 200,000 and 500,000 rubles.
Separately, there is a service called "Protection of loved ones plus", which provides customers with slightly different conditions for issuing a policy.
Head of family
Life and health insurance for the head of the family is very important, since this person most often provides his loved ones with everything they need, earning money and solving problems that arise. In this case, the policy allows you to preserve the financial well-being of relatives, even in the most difficult life circumstances.
Among the insured events of this insurance program, it is worth highlighting such conditions as:
- Death of the head of the family as a result of an accident;
- becoming disabled due to an accident.
On the official site https://www.sberbank-insurance.ru/ you can define the following benefits of insurance:
- Fast execution of the contract;
- the need to provide only the client's passport;
- choice of different levels of insurance premium;
- the policy is valid around the world 24 hours a day.
The insurance premium can be in the amount of 900, 1800 and 4500 rubles. Accordingly, the client receives an insured amount of 300,000, 600,000 and 1,500,000 rubles.
Family protection
Protecting your family from any accidents is important task which should not be neglected. The price of the issue is insignificant in comparison with the guarantee of the financial security of loved ones. Sberbank Life Insurance is a reliable tool for protecting loved ones.
There are several categories of those who may be covered by a family protection policy:
- Spouses (from 18 to 70 years old);
- children (from 2 to 50 years old);
- grandchildren (from 2 to 30 years old).
The insurance is issued for one year. After this period, prolongation of the agreement between the bank and the client is possible.
Each family protection category has its own insurance conditions. This applies to the amount paid and the monthly insurance premium. You can pay in personal account Sberbank Insurance on the official website. After signing the contract, you will be able to enter your personal account.
Airbag
This unusual name of the insurance program makes it clear that in unforeseen situations, the insurance contract will come to the rescue just like an airbag in a car. The essence of the program basically boils down to the fact that by paying the minimum premium for insurance, you get many times the amount of payment on the offensive insured event.
To choose this insurance program, you need to decide:
- What period of insurance to choose - (the program provides for a period of 5 to 30 years);
- The required amount of financial protection - about 2-3 annual income is considered the best option;
- Determine for yourself the frequency of payments for insurance (once a year, or monthly).
Sberbank determined insurance risks at which the client can receive a payment of money. These include the following events:
- Getting injured as a result of an accident;
- gaining disability of the first or second group;
- fatal outcome of the accident;
- death due to an accident with any type of transport.
Important!
Personal account "Sberbank of life insurance" allows you to track the necessary information on the contract. and also make payments for transactions. You can register on the site only if you have an agreement on the "Airbag" service or any other program.
When concluding a contract, the client has the possibility of a financial deduction (refund of up to 13% of the annual contribution (Tax Code of Russia, art. 219 from 01.01.2015)
Corporate insurance program
In the Savings Bank, a special type of insurance can be distinguished to protect employees of enterprises from injury and other accidents.
Corporate insurance program allows the employee to gain confidence in the future. The registration process consists of several points:
- Familiarization with various options of insurance programs, as well as the choice of the most suitable one;
- Determination of the amount of financial protection for the employee (from 100 thousand to 1 million rubles);
- Signing all documents;
- Payment for the service.
This contract provides for insurance either for all employees of the company, or for several (more than 10). There are also certain tax benefits.
For example: the sums insured received upon the occurrence of an insured event do not provide for personal income tax (for the recipient of the payment, Article 213 of the Tax Code of the Russian Federation).
You can issue a policy on various conditions in relation to both yourself and your relatives or employees of the enterprise. Reviews about this service are mostly positive, due to the fact that the bank constantly and fully fulfills its obligations.
Do you want to be confident in the future and ensure a decent standard of living for yourself and your loved ones in case of unforeseen situations related to health? Get an accident insurance program over the phone.
Advantages:
- COMFORTABLE
No need to visit a Bank branch
- EASILY
Enough verbal consent to conclude an insurance contract by phone and the subsequent payment of the contract.
- FAST
Payment for the program is made through AutoPayment. After confirming the SMS message for connecting AutoPayment, the monthly insurance premium is automatically debited on a monthly basis.
- COMFORTABLE
The insurance contract, insurance conditions and a memo of the insured person are sent to the mailing address convenient for the client.
How the insurance program works
The program provides payment Money To the insured person upon the occurrence of such common risks as:
- disability of the 1st or 2nd group as a result of an accident;
- traumatic injuries (burns, fractures, injuries) as a result of an accident, stipulated by the insurance contract (annex to the contract).
This allows the client and his family members to have additional financial support in a difficult life situation and maintain their usual standard of living.
An additional bonus of the program is that payments are doubled if the accident occurs as a result of a traffic accident (RTA).
If the Insured person is a child / children under the age of 18, the beneficiary (the person entitled to receive the insurance benefit) is his legal representative.
Insurance program options:
- Individual program: insurance coverage applies only to the Client.
- Spouses Program: insurance coverage applies to the Client and his / her spouse.
- Program for the Whole Family: insurance coverage applies to the Client, his / her spouse and all children aged 1 to 17 years inclusive.
Each of the three program options has tariff plans - Basic and Premium.
Insurance program | Premium | Base |
|||
Sum insured * | Insurance premium (monthly) | Sum insured * | Insurance premium (monthly) |
||
Individual program Insured Person - Holder payment card Sberbank |
|||||
Spouses Program The insured person -Sberbank payment card holder, his / her spouse |
|||||
Disability of the 1st (first) or 2nd (second) group as a result of an accident | |||||
Traumatic injury to the Insured person as a result of an accident | |||||
Program for the whole family The insured person - The holder of the Sberbank payment card, his / her spouse and all children aged 1 to 17 years inclusive |
|||||
Disability of the 1st (first) or 2nd (second) group as a result of an accident | |||||
Traumatic injury to the Insured person as a result of an accident |
* Insurance payment doubles if the accident occurred as a result of an accident
Insurance term
The insurance contract comes into force on the day of payment of the first monthly insurance premium without filling additional documents and medical examination and is valid for 24 months 24 hours a day around the world.
Insurance services within the framework of the Program "Accident insurance" is provided by the Limited Liability Company "Insurance Company CARDIF", registered at the address: 127422, Moscow, st. Timiryazevskaya, 1. Licenses SL No. 4104, SI No. 4104 for insurance, issued by the Central Bank of the Russian Federation dated 06.11.2015.
WITH detailed terms insurance programs can be found on the website of the partner company
Considering all kinds of insurance options and their features, many consumers turn their attention to accumulative life insurance. Sberbank, being the largest financial institution in the Russian Federation, includes a subsidiary company specializing in the insurance of private and corporate clients.
Before you get acquainted with the main advantages and disadvantages of the savings program of Sberbank, it is advisable to study this type of insurance in more detail. In fact, such a product refers to long-term programs, under which consumers regularly deposit funds into a special account in accordance with the established amount.
The frequency of depositing funds, as a rule, is 1 year, however, there are products on the market, the conditions of which allow for monthly and quarterly replenishment. During the term of the agreement concluded with the insurance company, the client can be sure of payment of compensation, subject to the occurrence of the circumstances provided for by the policy.
Upon the occurrence of established circumstances - injury, death and others, the consumer will receive a certain payment. Its size may vary and depends on the terms of the agreement. As a rule, the client receives the amount that he could postpone by the time the policy expires, or the entire amount of funds already deposited into the account.
Some products may provide for an increase in payments several times, subject to the occurrence of a number of circumstances, for example, an accident or accidents.
If desired, the policyholder can expand the range of its action by adding additional options and risks.
Their role is played by a serious illness, disability or other undesirable events that can lead to harm to health.
NSW is a long-term insurance program with constant replenishment
Advantages and disadvantages of NSJ
If the consumer is interested in the Sberbank life insurance program, it is advisable to get acquainted with the key advantages and disadvantages typical of this kind of products. First of all, it should be noted that it belongs to the target category and is designed to help accumulate funds for large purchases - tuition fees, the purchase of real estate or vehicles.
Among other things, Sberbank NSJ has other advantages:
- the ability to protect the client from the onset of undesirable circumstances that can have a negative impact on his health, ability to work;
- the capital accumulated within the framework of such an offer can be used as an additional pension, which will increase the client's income;
- program participants are entitled to receive bonuses of a legal and tax nature, which makes the use of the product more convenient and useful.
Many proposals of large insurance companies allow not only to accumulate funds for subsequent spending, but also to partially save them from inflation, which seems to be an indisputable advantage in a crisis.
In addition to positive features, this product also has a number of negative ones. These include, first of all, the fact that funds placed in this way are not subject to the DIA program. This makes it much more difficult to obtain invested finance in case of bankruptcy or revocation of a license from financial institution.
It must be remembered that the terms of the contract, as a rule, start from 5 years. The level of well-being of the borrower during this period may significantly decrease, and mandatory contributions by agreement in such a situation will increase the burden on the budget. However, if desired, the client can request a deferred payment, which will be about 30-90 days.
Customer benefits
The current legislation provides for a number of privileges and benefits for those consumers who decide to insure under such programs. This method capital preservation compares favorably with others, due to the following features:
- no need to make income tax upon occurrence of an insured event and receipt of payment by the client;
- reduction of the amount of personal income tax collected from the consumer;
- the funds accumulated on the policy are not subject to division upon divorce;
- the client has the opportunity to identify the beneficiary under the contract, who will receive compensation upon his death. At the same time, both relatives and third parties can play a similar role.
These benefits significantly simplify the use of the product, making it a universal and beneficial way for the insured to protect the family from unforeseen circumstances.
Savings insurance from Sberbank has certain advantages
Assortment of Sberbank programs
The largest financial organization in the Russian Federation, PJSC Sberbank, through a subsidiary, offers all customers to issue accumulative insurance. The range of offers is extremely wide and allows each consumer to choose the right product. At the moment, a subsidiary of Sberbank offers clients the following programs of this type:
- "Children's educational plan" - intended for the accumulation of funds for education.
- "Savings insurance" - the program allows you to save the client's funds and receive the contributions made in full.
- "Like a salary" is a special product designed to receive regular payments after termination of employment.
- "First Capital" - allows you to set aside funds for the future needs of the child.
- "Family asset" - seems to be a universal product for the financial protection of a family.
Such products differ significantly among themselves in terms of placing funds, profitability and other features, therefore, it is advisable to study them in more detail.
"Children's educational plan"
Since receiving higher education in most cases, it is associated with significant costs, many consumers are thinking about saving for their children. The Children's Education Plan program is designed to help clients set aside enough funds, as well as make the process of saving them not burdensome for the family budget.
Like most other programs, this product provides tax and legal benefits for its owners, as well as insurance coverage... A unique service is the “Children's Concierge Service” option, which is provided as part of the product. It allows you to explore different options educational programs and extracurricular activities and choose the option most suitable for the child.
The offer is characterized by the following parameters:
- the terms of the contract can vary from 5 to 17 years;
- among the available currencies are rubles, pounds or dollars;
- you can make contributions according to a flexible payment schedule;
- the opportunity to receive the accumulated funds in the form of rent, which will be regularly paid throughout the entire period of study.
The insurance coverage provided under the product, as well as other benefits, are provided for the person who is indicated in the policy as the beneficiary.
The Savings Insurance program provides for the possibility of receiving the entire amount of contributions under certain circumstances
Savings insurance
As mentioned earlier, endowment insurance seems to be an excellent solution for building capital and preserving savings in a crisis. The Savings Insurance program seems to be a classic product of this type, the main purpose of which is to provide financial protection for the family.
The main feature of the product is the possibility of refunding the entire volume of premiums made in the event of an insured event. This offer stands out among others by the flexibility of the conditions - the client has the opportunity to choose the appropriate option, taking into account the desired timing, the amount of the premium, and the total amount of the insurance.
Among the main advantages of "Savings insurance", it is necessary to mention:
- simple and fast registration, for which you will only need to provide a passport of a citizen of the Russian Federation;
- the product provides for round-the-clock insurance coverage;
- the insurance covers the whole world, which allows you to get protection for frequent trips and travels.
In addition to receiving contributions made earlier, the client, upon the occurrence of certain circumstances, has the right to count on additional payment... Such events include death while traveling by air and railway transport, in which the beneficiary will receive an additional 1 million rubles.
"Like a salary"
The program "Like a Salary" is designed to increase the level of the client's well-being at the time of leaving the labor force. It assumes the possibility of receiving regular payments that will make living conditions more comfortable. The product provides for the possibility of expanding the list of insured events in which the client will receive a payment, and also has other features:
- the amount of rent received in the future is fixed in the agreement throughout its validity period;
- if the savings made by the client have been exhausted, Insurance Company will continue payments on the same terms at its own expense;
- such a product is the only one in the company's line that provides long-term and fixed income and rent.
Such a product seems to be the optimal solution for people of working age who want to create more comfortable conditions retirement in the future.
Sberbank Insurance offers several programs with different savings conditions for different categories citizens
"First Capital"
This proposal is designed to help parents create capital for their child, which will allow him to start adult life with the necessary amount of funds. The main feature of the product seems to be insurance in case of loss of ability to work of the breadwinner, which will avoid financial difficulties.
The product allows you to guarantee the creation of savings for the child, to provide insurance coverage for the person bringing in family budget basic income, and also provides legal and tax incentives.
"Family asset"
"Sberbank Insurance" - "Family Asset" is a unique program that combines the possibilities of insurance coverage for the breadwinner of the family with a convenient scheme for the formation of savings. It should be remembered that the portfolio structure financial instruments provided by such a program is heterogeneous:
- Deposit (50-60%)- is designed to protect funds from the negative impact of inflation. It can be withdrawn from the portfolio with small losses in comparison with other instruments. Differs in low profitability;
- Real estate (20-25%)- seems to be a highly profitable share, the profit from which significantly exceeds inflation. The demand for a tool, as a rule, weakly depends on economic / political factors, which makes it much more reliable than many analogues;
Recently, many financial institutions have begun to present the long-known insurance service in a new way. It turns out to be such an old candy, but in a slightly updated wrapper. With the help of this service, it is now possible not only to insure the life of the borrower himself in case of non-payment of the loan, but also to protect his entire family from accidents and threats to life. Not so long ago, this service appeared in such a large financial organization as Sberbank. Life and health insurance is carried out here according to specially developed programs. What is this banking products? What is their essence? And how interesting are they to the end consumer?
What insurance programs operate in Sberbank
On the this moment Sberbank offers life and health insurance to everyone. Each of the programs related to this offer is related to insurance certain persons... It allows you to protect them from accidents, injuries and other dangerous moments. For example, here you can style:
- "The head of the family online."
- "Protection of loved ones online."
- "Protected borrower online",
- "Travel Insurance Online".
- "Insurance against accidents and illnesses".
- "Endowment life insurance".
- Investment Life Insurance.
Registration of a policy to protect a family without a breadwinner
When issuing life and health insurance, Sberbank proposes to do this in accordance with the subject of insurance programs. For example, the annual policy "Head of the Family" allows you to provide relatives and friends with certain financial assistance in the event of loss of life or harm to the health of the main breadwinner. To insured events for this agreement relate:
- Obtaining disability (1st, 2nd groups).
- The death of the head of the family.
- A fatal outcome due to a railway or plane crash.
The process of connecting to the program itself is carried out on the official website of IC Sberbank: Life Insurance LLC. To issue such a policy, it is enough to fill out an online form and wait for receipt insurance contract to the email address you provided. According to many users who managed to register with Sberbank: Life Insurance LLC and receive this policy, such help was just the way. Those of them who nevertheless lost their breadwinner due to an accident were able to receive financial compensation in full.
Obtaining a policy to protect relatives
This insurance ("Sberbank: life insurance") makes it possible to insure the following categories of citizens against accidents:
- Children between the ages of 2-14.
- Spouses between the ages of 18-65.
- Parents from 35-75 years old.
As you can see, the age of the insured persons in this case ranges from 2 to 75 years. Therefore, both children and persons of retirement age can participate in insurance. Moreover this insurance, according to the stories of many insured persons, easily covers the costs of medical treatment, professional assistance in case of fractures, frostbite, severe injuries and burns. The amount of insurance coverage in this case ranges from 100,000 to 500,000 rubles. This policy is also issued online, and you can pay for it on the organization's website. Moreover, everyone is offered several calculation options at once, one of which is payment by card.
Issuance of a policy for the potential protection of the borrower
The insurance company "Sberbank: Life Insurance" offers insurance services necessary for the borrower and the financial institution. Most often, quick and unsecured loans fall under insurance coverage, as well as home loans... In addition to the fact that this policy is an excellent safety cushion for the lender bank, it is also very beneficial for the borrower. The fact is that such insurance helps to provide him with a certain financial protection, for example, when he received a serious injury that led to a significant deterioration in health, disability or death. When an insured event occurs, your policy will cover the rest of the money on the loan.
General information about the policy "Travel insurance online"
LLC "Sberbank: Life Insurance" took care of tourists going on vacation to different countries the world. With its help, you can insure not only your luggage in case of loss and theft, but also your own life and health.
According to the stories of many users, this insurance helped them solve the problem with treatment and transportation from another country where they were injured. At the same time, its size directly depended on the period of stay in the territory of a foreign state, the number of insured persons and the amount of insurance coverage. The term of this policy is from a couple of days to up to a year.
How is insurance against accidents and illnesses
When choosing this policy, the object of insurance, as a rule, becomes a physical or entity, bank. The insurance itself undertakes to protect the insured object from the consequences of various kinds of diseases, injuries, disability and death.
To connect to this insurance program, it is enough to contact the nearest branch of a financial institution and inform about the choice of the program. Then all that remains is to write a statement, sign an agreement and pay for insurance. All this can be done directly at the bank.
How to insure and save with a policy
The accumulative program allows you to collect a certain amount of money for a certain period of time. Then it can be spent in the event of an insured event associated with a deterioration in health or a probable threat to life. At the same time, this policy makes it possible to accumulate a certain target capital, intended, for example, to make down payment for a housing loan or payment for university studies.
Bank investment product
Special attention should be paid to the universal insurance and at the same time investment product IC "Sberbank: Life Insurance". Reviews about him can be heard in a very positive way. According to some users, one contribution is enough to start the accrual of dividends. Moreover, your contribution is made in two directions at once: in favor of highly profitable and risk-free investment instruments... At the same time, the program allows you to insure the person concerned against accidents, as well as bring him constant and almost unlimited income.
Why there are negative reviews
Among the opinions of users about the insurance programs of Sberbank's partner, one can hear not only positive, but also negative statements. For example, some users are frustrated with one of the storage systems. According to them, you have to wait too long to receive income (5-15 years), and the amounts earned are much lower than promised.
Others complain that in certain cases they have to prove their case not only in words, but even in court. Some are outraged that the insurance company "Sberbank: Life Insurance" does not refund, and if it does, then this amount is very far from the initially invested.
However, whatever the situation is causing such negative reviews, you need to look at the root of the problem. And the thing is that before signing an insurance contract, you should definitely read it carefully. It would seem so simple. However, this is precisely what many of the users do not. By the way, Sberbank is quite loyal to customer requests, so it is happy to provide a sample contract for home study. Therefore, if you were offered a new insurance option, do not be lazy to ask for a sample contract and study it carefully. And only then the number of negative reviews will be significantly reduced.
Endowment life insurance allows you to receive a monetary compensation in an insured event. In this case, you need to know the rules for its design.
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In Russia, the services of insurance companies are not very developed, as, for example, in the USA or the countries of the European Union, where every citizen is obliged to be insured.
In Russia, the population does not trust insurance companies, because because of the unstable economy today this insurance company may be, and tomorrow it is already bankrupt and, naturally, no one will return the money, and in case of an accident no one will pay the sum insured.
However, accumulative life insurance can also be obtained from a reliable insurance company.
But in order to understand how to do this, it is necessary to study the rules for applying for insurance and the list of organizations.
Important aspects
What it is
If you briefly explain how this happens in practice, you sign an agreement with an insurance company for a specified period
.According to the agreements that are spelled out in the contract, you annually make insurance premiums to the account of the insurance company, in turn, the IC undertakes to insure your life / health, save your money, and increase it.
At the same time, the insurance company makes a payment in the event of an accident.
In what cases does it apply
Is accumulative life insurance profitable? When an insured event occurs, you are in mandatory you receive payment of the sum insured, about which it was previously agreed and spelled out in the contract.
Payments are made regardless of how much you made a contribution and how much you have. Usually, sum insured payments are often many times higher than the amount of insurance premiums.
Often the insurance risks are as follows:
- dare the insured person;
- as a result of an accident;
- temporary unemployment.
Legislative aspects
Insurance activities are regulated by the following laws:
Principle of operation
Life insurance has the following principle of operation:
- This program provides for the payment of insurance premiums either once a year or once every six months.
- Based on their capabilities and goals, the client chooses the amount of contributions, and the period for which insurance is issued.
- The client is considered insured from the moment of signing the contract, and claims to be paid in the event of an insured event, regardless of what amount has already been paid.
- Everyone who can receive the insurance premium instead of you is spelled out in the contract.
- During the term of the contract, your income accumulates, which is issued to you at the end of the term.
- The client has the right to terminate the contract at any time, while receiving his own amount, taking into account the accumulation.
- Based on the package of services of this product, and the goals of the client, it is possible to connect various options.
How the cost is calculated
It is based on the person's monthly costs and income. For example, your monthly income is 35,000 rubles. It is 420 thousand per year, which means that you will need such an amount for insurance.
For example, you want to insure yourself for 15 years. This means that every year you need to contribute 28 thousand. You can receive this entire amount after the first payment, if there is an insured event.
Terms of provision of organizations
The principle of the accumulative program, the final result, etc., depend on the conditions of the company with which the client is directly going to cooperate.
Let's look at a few examples on the topic of endowment life insurance in 2019.
Sberbank
Sberbank has long been known throughout the country, occupies the very first places in surveys among the population, in terms of quality and demand.
In addition to credit service, deposit, etc., the bank has two current, for today, accumulative life insurance programs, namely:
"First Capital" | This program is important for parents who wish to accumulate a sufficient amount of funds in rubles for a decent future for their child. For the product, the duration of the insurance contract is a maximum of 25 years. You can open an account for a child from one year to 24 years old. After reaching the age set by the parents, the future owner will be able to independently manage finances |
"Family asset" | Such a program is recommended for those citizens who are the only breadwinners in the family or plan to make a major purchase in the future. The conditions for this program have a period of up to 30 years, by age from 18 years to the maximum 80 years |
There is a certain nuance, in the event of the onset of the first or second group of disability during the term of the contract, the client is exempted from obligatory payment payments.
The insurance organization will perform it for him.
Bank Rosgosstrah
Rosgosstrakh Bank has three offers regarding insurance:
"Family" | The program provides for a transaction period of 5 to 40 years. If we talk about the age period, then the insured person can be from 18 to 65 years old, but not more than 70 years old (maximum value). In the event of the assignment of a disability group, the company exempts the client from payments and conducts them independently |
"Children" | Here the age threshold reaches 21 years old, which means that when the contract is closed, the child must be no more than 21 years old. |
"Saving" | The longest-term product in the bank - up to 40 years. Quite an attractive promising program for the accumulation of a large amount |
VTB 24
VTB24 Bank (part of the VTB network) and VTB-Insurance offer programs of a cumulative nature for clients with a Business Express credit package.
But this applies more like a standard insurance for a loan. It became known that for 2019 the organization "VTB-Insurance" has developed and released new program accumulative insurance "Reserve Fund".
It includes a set of insurance risk groups. When opening a package, already from the first payment, a citizen has the right, upon the occurrence of an insured event, to pay the full package.
The contract is concluded from 7 to 20 years with a minimum entry fee of 25 thousand rubles.
Other
For example, consider the offers from the insurance "Renaissance Life". There are two programs available:
What to look for when concluding a contract
If you decide to open an accumulative life insurance program in a bank, then the manager is obliged to advise you in advance on this issue.
Pointing to the terms of registration, and so on. Each client has the right to preliminary familiarize himself with the content of the future agreement.
Signing simply on blind paper and hoping for good is wrong.
After signing, the contract is gaining strength, and if some nuances emerge that were not clarified during the consultation, it will be difficult to prove the opposite.